2. The triangle of healthcare needs
Doctor office visits
Specialist treatment
Surgery
Hospitalization
ICU
Rx drugs
Highest
Lowest
Member Discretion

3. The Destiny Model Comprehensive High-deductible coverage Insurance &
HIAA
The Destiny Model
High-deductible coverage
Hospital and Surgery Rider
Chronic Medication Rider
Comprehensive
Insurance &
Member Advocacy
The key question in the pursuit of a sustainable and affordable healthcare plan must be the correct coverage of this triangle. But if you acknowledge the power of the consumer, one has to understand where consumers have an impact.
So, the correct way to think about covering this triangle, is to focus on empowering consumers where they can make choices and do have an impact. The focus here is on creating the right incentives for members to responsibly manage their own healthcare.
Where events are more infrequent and costly, that requires a pooling of money such as insurance and contractual and other controls to manage cost and quality. Providing members with protection where they really need it.
This really is the heart of the Destiny solution. Let’s go into some more detail as to how it works.
Personal Medical
Fund
Member
incentives
continuity.ppt

4. The Destiny Health Vitality Program
HIAA
The Destiny Health Vitality Program
Health and
Wellness
Guidelines
Vitality
Points
Vitality
Status
What this all leads to is healthier and happier members.
Vitality
Rewards
continuity.ppt

5. Destiny Health: Changing Behavior
40% take a more active role in well-being and physical activity
18% reduced number of doctor visits by using nurse line or audio library
44% asked pharmacist for lower cost Rx
34% improved preventive healthcare regimen
Strong Anecdotal Evidence of Success

6. Destiny Health Renewal Experience (mostly small group)
Average Renewal Increase: 14.6%
PMF Carryovers: 57% of members
Average PMF Carryover: $310
Renewals after carryover: 5.8%
Overall lapse rate to date: 3.6%
A More Sustainable Solution